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The Mortgage Market in Sweden

Mortgages make up a significant percentage of the loan portfolio in Sweden and are an important component of the household budget for many individuals with home loans. The Mortgage Market in Sweden 2021 describes both current and historic mortgage and construction trends. Housing prices have been increasing for a number of years. After the outbreak of the pandemic in 2020, there was considerable uncertainty on the housing market. Following the introduction of several measures by the authorities to reduce the effects of the pandemic, this uncertainty decreased and was instead replaced by signifi cant price increases, in particular among singlefamily homes during the second half of 2020 and the first half of 2021. By the end of June 2021, the price of single-family homes has, on average, increased by 20.1 percent and the price of tenant-owned apartments has increased by 11.5 percent. Total residential mortgage lending amounted to Sek 4,855 billion in June 2021.